Car Insurance in Philadelphia, PA
- Travelers offers the cheapest car insurance in Philadelphia at $139/mo.
- Compare and save on auto insurance in or near Philadelphia, PA with The Zebra.
Enter your ZIP code to start your search:
Car Insurance in Philadelphia, PA
- Travelers offers the cheapest car insurance in Philadelphia at $139/mo.
- Compare and save on auto insurance in or near Philadelphia, PA with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Philadelphia at the right price.
How much does car insurance cost in Philadelphia?
Auto insurance in Philadelphia averages $2,077 ($346 per month) — almost twice as much as the Pennsylvania state average $1,128 and the most expensive city in the state for car insurance.
Philly drivers also pay more than twice the national average. In fact, 39% of our customers in Philadelphia admit they're paying too much for their car insurance.
Car insurance quotes in Pennsylvania
Pennsylvania drivers in and near Philadelphia saved money on car insurance recently using The Zebra:
Our licensed agents guided a driver in Montgomery, PA find this smart deal on their Toyota Tundra with Clearcover.
Our licensed agents guided a driver in Clearfield, PA find this smart deal on their Toyota Corolla with Root Insurance.
Drivers in Kingston, PA are getting smart deals on Toyota Corolla coverage from AAA.
Drivers in Phoenixville, PA are getting smart deals on Dodge Ram 1500 coverage from GEICO.
Our licensed agents guided a driver in Pottstown, PA find this smart deal on their Hyundai SANTA FE with Bristol West.
Drivers in Horsham, PA are getting smart deals on Mitsubishi Eclipse coverage from The General.
Cheap liability and full coverage auto insurance in Philadelphia
In 2026, Travelers offers Philadelphia's lowest full coverage rates at $139 per month.
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 40% of Philadelphia drivers carry only the state’s minimum required coverage, which is enough to stay legal, but not always enough to protect your finances after an accident.
You can also add options like roadside assistance or uninsured motorist coverage. They add a small cost but can save you from expensive out-of-pocket bills later, which The Zebra’s experts say makes them worth considering.
Source: The Zebra
Q:Â Which states have a hybrid model, where you can choose at-fault or a traditional option (no-fault or tort)? And how does that impact the sales process?
A: "In hybrid or no-fault choice states, customers get an option to choose either a traditional at-fault policy or a no-fault option. That choice affects the coverages they’re required to carry and which insurance company would be responsible for paying out first. If they choose the at-fault option, then it depends on who caused the accident—either their insurance company would pay out or the other driver’s would. If they choose the no-fault option, then their own insurance company would take on the full risk and pay out first, regardless of who was at fault."
-Riliey Cullip, Licensed Agent at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Philedalphia.
Are you paying too much for auto insurance?
Car insurance rates after an accident in Philadelphia
In Philadelphia, an at-fault accident can raise your car insurance by $1,187 for a 6-month policy. Travelers tends to be the cheapest choice after an accident, and GEICO is another reliable pick.
Keeping a clean driving record is the best way to avoid these increases. Premiums can go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $2,060 | $0 |
| One comp claim | $2,189 | $128 |
| Speeding 16 - 20 MPH over limit | $2,434 | $374 |
| At-Fault Accident | $3,248 | $1,187 |
| DUI | $4,098 | $2,038 |
| Leaving scene of an accident/hit and run | $4,158 | $2,098 |
Source: The Zebra
Why is car insurance so expensive in Philadelphia?
Philadelphia drivers pay higher rates due to a mix of local risks, weather, and driving trends.
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Location: Premiums vary by ZIP code; areas with more theft or uninsured drivers tend to see higher rates than safer neighborhoods.
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Weather: Winter snow and ice, and other severe weather, raise repair costs and insurer risk, driving up premiums across the region.
- Population: Philadelphia’s dense population and heavy commuter traffic increase the chances of accidents and insurance claims.
Philadelphia drivers' individual car insurance rates are determined by insurers based on a range of rating factors that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score and others. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.
Some rating factors may change over time, so getting new quotes regularly can help drivers determine whether they are still receiving the best rates for their coverage needs.
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.